Health Insurance Advisory
Your health policy reviewed by experts. Free.
Most health insurance policies in India have gaps their owners don't know about — until they file a claim. RiskPe's advisors review your existing health cover and tell you exactly where you stand.
Free, no obligation
Jaipur based, pan-India service
IRDAI empanelled advisors
Why most health policies fail at claim time
40%+
Claims face issues
Of health insurance claims in India face rejection, delay, or short settlement — often for reasons that could have been avoided.
5 lakhs
Average sum insured
The average Indian health policy covers Rs 5 lakh — enough for a minor surgery, not a serious illness or a week in a private hospital.
1 in 3
Don't know their exclusions
Most policyholders have never read their policy's exclusion list. These are the exact clauses insurers cite when rejecting claims.
What RiskPe checks in your health policy
Sum Insured Adequacy
Is your cover enough for your city, age, and family size? We check against current hospitalization costs.
Exclusion Mapping
Every policy excludes specific conditions, treatments, and scenarios. We identify yours before they catch you off guard.
Waiting Period Review
Pre-existing disease waiting periods, specific illness waiting periods, maternity waiting periods — we map all of them.
Co-payment and Deductibles
Hidden cost-sharing clauses that reduce your payout significantly. We flag them so you are not surprised.
Renewal History Check
Any lapse in renewal can affect your claim eligibility and waiting period benefits. We verify your continuity.
Family Floater Optimization
Is a family floater right for your situation, or would individual policies serve you better? We run the numbers.
Common health insurance mistakes we find
1
Buying based on premium alone
The cheapest policy is rarely the best value. Low premiums often mean low sum insured, high co-payments, or restrictive networks.
2
Not declaring pre-existing conditions
Non-disclosure voids your claim. Every pre-existing condition must be declared at proposal stage, no matter how minor it seems.
3
Ignoring the room rent cap
A room rent cap of Rs 3,000 per day triggers proportionate deductions on your entire hospital bill, not just the room.
4
Assuming employer cover is enough
Group health from your employer stops the day you change jobs. It also typically covers only hospitalization, not OPD or critical illness.
5
Never reviewing after a life event
Marriage, a new child, a diagnosis, a salary increase — each changes what you need from a health policy. Most people never update.
Who this is for
Individuals & Families
You have a health policy but have never had it reviewed. You want to know if it will actually protect you when you need it.
Senior Citizens
Health insurance gets complicated with age. Pre-existing conditions, waiting periods, and co-payments need expert navigation.
Small Business Owners
Your personal health cover and your business's employee benefits are separate needs. We advise on both.
What health insurance will not pay for
Even a well chosen health policy pays only when you are admitted. The doctor’s consultation, the blood test, the scan and the pharmacy bill are all yours to absorb, and for most households those are the costs that actually recur through the year. That gap is what an OPD plan is for.
RiskPe distributes a Livlong OPD benefit plan from ₹250 a year that covers unlimited doctor calls, a yearly health checkup and reimbursement on consultations, tests and medicines. See the OPD health plans. It is not a substitute for health insurance, and it is not meant to be.
Common questions about health insurance advisory
Is RiskPe's health insurance review really free?
Yes, completely free. We review your existing health policy, identify gaps and risks, and give you an honest assessment. No obligation to buy anything, no sales pressure.
Can RiskPe help if my health insurance claim was rejected?
Yes. Claim recovery is one of our core services. We review the rejection grounds, assess whether it was valid, and build a formal case for re-assessment. The review carries a fee set by the claim amount, from ₹1,499, that is refunded in full if we find the claim is not payable, and on a successful recovery we are paid a share of what is recovered.
Do you only serve clients in Jaipur?
No. RiskPe is headquartered in Jaipur, Rajasthan, but our health insurance advisory services are available across India. We work with clients remotely via call, WhatsApp, and email.
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